TEM
Tempus AI, Inc.
Is TEM Halal?
AI-driven precision medicine, genomic diagnostics, and clinical data — a permissible healthcare and technology business; verify leverage and interest income.
What You Should Know
Tempus AI, Inc. provides AI-enabled precision-medicine products, including genomic sequencing and diagnostics, a large library of clinical and molecular data, and software that helps physicians personalize treatment, particularly in oncology. Healthcare diagnostics, data, and clinical-decision software are permissible activities with no inherent haram revenue line. The factors to verify are financial: Tempus is a recent IPO that is not consistently profitable and carries some debt, so the debt-to-market-cap ratio and any interest income should be checked against the standard thresholds. On balance the activity is clearly permissible and the leverage has generally been manageable, supporting a halal verdict subject to ongoing verification.
⚠️ Concerns
- •Verify the debt-to-market-cap ratio against the 33% threshold — Tempus carries some debt and its ratios can move as a recently public, not-yet-consistently-profitable company
- •Interest income on cash balances should be confirmed against the 5% threshold and the corresponding portion of any returns purified
- •Re-screen periodically as the revenue mix between genomics, data licensing, and software evolves
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